New Horizons

To give everyone the same access to loans, many direct lenders are now offering a range of short-term loans to people who would have struggled to be approved in the past because of bad credit.

Understanding that traditional credit scores no longer offer a true reflection of your ability to repay a loan, many direct lenders in the UK are now focusing on more relevant details when assessing your application, including your current employment status

No credit checks when you apply for a loan

We are committed to finding the best loan to meet your personal circumstances from our panel of direct lenders. Details of loan repayments and terms will clearly be displayed before you to make the decision to accept an offer, with no obligation & no cost – We are the best way to find a loan with no credit check.

Why choose New Horizons?

• 100% no obligation loan quote
• We don't charge any fees, ever!
• We don't credit check
• No paperwork
• Accept and get your cash in 15 minutes +
• 100% secure

How do I apply for a short-term loan with bad credit?

We believe that having a bad credit score should not prevent you from getting a short-term loan when you need one. Thankfully, many direct lenders in the UK now agree with us. Therefore, to help people with bad credit scores get access to the short-term loans they need, we have created a simple application process.

Do short-term loans require a credit check?

If you apply for a short-term loan in the UK, the law requires the direct lender to perform a credit check on you. Whilst previously this would have likely made it difficult for people to get short-term loans if they had a bad credit score, many lenders are now changing how they assess a person’s suitability.

Many lenders now offer short-term loans for people with bad credit in the UK. As a result, an increasing number of people are passing credit checks despite having poor credit scores and are, therefore given equal access to short-term loans when they need them.

How do you find my best rate loan without needing an initial credit check?

Our soft credit match technology matches your profile to over 50 financial conduct authority (FCA) approved loan companies without leaving any mark on your credit record. With no obligation & no cost – it’s the best way to find a loan with no credit check.

What is needed to apply for a quick loan?

• Be over the age of 18
• Have a bank account with a credit card
• Be employed
• Have your wages paid into your bank
• Be a UK resident